ZIP 81130 Foreclosure, Tax-Lien & Distress Report

ZIP 81130's composite property-distress score is 11/100 - DLRadar classes that as minimal for Mineral County, Colorado. The split runs 27/100 structural to 4/100 active on the ground. The most distinctive pressure shows up in construction/permit lag (97/100), structural risk (27/100), mortgage stress (14/100). mortgage stress (14/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 51% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

73% of housing is owner-occupied. There are about 1,309 housing units across 81130. The poverty rate is 11.2%. About 54% have a four-year degree. Households earn a median $52,461 — below the roughly $78,000 national figure. Vacancy runs 68.2%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 81130 scores 45/100. The typical home is worth about $406,100 (7.7× income, severely stretched). Rent burden reaches 39% of tenant households. Population is roughly 786 with a median age of 55.

Net-net, 81130 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 81130 runs hot or quiet, its 11/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 81130 can be compared directly against any other ZIP in Mineral County, Colorado or nationwide. The score is rebuilt from public data as it updates, so 81130 reflects the current record instead of a stale or modeled snapshot.

The 11/100 for 81130 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 81130 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.